One of the reasons for buying auto insurance online vs. brokers is that motorists don’t want to talk to anyone face to face. Some people may be knowledgeable enough to deal with it on their own. Otherwise, you shouldn’t hesitate to contact an agent. There is no reason to be intimidated or worried that they will push a policy you are not happy. In theory, you should be able to walk away when they are not looking after your best interest.
Only few years ago intermediaries were the only source of car insurance policies. They are now under pressure from websites and direct sales. What is really going for them is the convenience they provide. People are getting lazier these days, as they can complete the same transaction electronically, instead of going down to shops on the high street.
Consumers tend to ask Google whenever they have a question in mind these days. This fact reduces the need to be dependent on a person to help you make a choice or provide insightful information. In the same time increases the appeal of online vehicle insurance searches. It is much faster, available 24/7 and you are hardly pestered with unsolicited calls afterwards.
On the other hand, nothing can replace real experience, providing someone is willing to share it. Receiving a boilerplate advice doesn’t really convince anyone anymore. However, sometimes it takes time to do things right. And therefore, people should be willing to go to the trouble of sitting down with someone and working out coverage that fits like a glove. But everyone is busy and impatient lately. The general problem is that people have many choices now. They can afford to be put off easily after a misunderstood gesture or wrong tone of voice.
Even though a few brokerages have websites offering quotes they would not be able to give them automatically in minutes. They would still need to look at the details and shop around to find the best deal. This usually doesn’t take much time but they need to get round to doing it.
Only tied agents will be able to link to the official page of the company they are working with and deliver a result fast. They would not really be offering advice in that case. This would probably make them affiliates as far as these online sales concerned.
A good independent advisor would be worth his or her weight in gold. Once you have already shopped around and decided on a particular insurer you could contact the local agent to initiate the policy and let him or her earn some bacon. There is no harm in having them on your side if it wouldn’t cost you extra. They may come handy sometimes and give you valuable tips on a claim, coverage or carrier.
Motorists with typical cars and circumstances can pick and choose and perhaps the Internet serves them best. This superior knowledge would be very helpful when things get complicated and drivers cannot find affordable coverage after a long search.
If an intermediary can convince you to buy a particular policy you may agree to pay a little. They would have their reasons and you need to be convinced to agree to it. You can only read so much about a policy or a particular source. But they are dealing with hundreds of them on a regular week. It is only fair to assume that they pick a few things in the process. It is great when they are willing to use their experience to help customers.
However, lately many companies, whose business depends on experience and personal knowledge, are trying to automate sales as well. If brokers become another faceless, automated, online outlet this would further reduce the appeal of buying automobile insurance through them.